5429042025-04-012025-06-305429042025-06-305429042025-04-012025-06-30in-capmkt:OtherOperatingExpenses1Member5429042025-04-012025-06-30in-capmkt:ReportableSegments1Member5429042025-04-012025-06-30in-capmkt:ReportableSegments2Member5429042025-04-012025-06-30in-capmkt:ReportableSegments3Member5429042025-04-012025-06-30in-capmkt:ReportableSegments1Member5429042025-04-012025-06-30in-capmkt:ReportableSegments2Member5429042025-04-012025-06-30in-capmkt:ReportableSegments3Member5429042025-04-012025-06-30in-capmkt:ReportableSegments1Member5429042025-06-30in-capmkt:ReportableSegments1Member5429042025-04-012025-06-30in-capmkt:ReportableSegments2Member5429042025-06-30in-capmkt:ReportableSegments2Member5429042025-04-012025-06-30in-capmkt:ReportableSegments3Member5429042025-06-30in-capmkt:ReportableSegments3Member5429042025-04-012025-06-30in-capmkt:ReportableSegments1Member5429042025-06-30in-capmkt:ReportableSegments1Member5429042025-04-012025-06-30in-capmkt:ReportableSegments2Member5429042025-06-30in-capmkt:ReportableSegments2Member5429042025-04-012025-06-30in-capmkt:ReportableSegments3Member5429042025-06-30in-capmkt:ReportableSegments3Member5429042025-04-012025-06-30AuditorDomain15429042025-04-012025-06-30AuditorDomain2iso4217:INRxbrli:pureiso4217:INRxbrli:shares542904UJJIVANSFBNAINE551W01018UJJIVAN SMALL FINANCE BANK LIMITEDEquity2025-04-012026-03-312025-07-242025-07-04INRLakhsQuarterlyFirst quarterMulti segment2025-07-2411:30:002025-07-2413:30:00Declaration of unmodified opinionfalsefalseNA2025-04-012025-06-30UnauditedStandalone13988371000211863700059860000215490001618841700024899230001867834000076289190004117500000332708300074445830001507350200036048380002249391000013554470003232490001032198000010321980001032198000193534710001000.211800.530.530.530.53834349400022611540000.02520.0070.0021Notes : <BR> 1) The above financial results have been approved at the meeting of the Board of Directors held on July 24, 2025. The financial results for the quarter ended June 30, 2025, were subjected to a limited review by the Joint Statutory Auditors (Deloitte Haskins & Sells, Chartered Accountants and Abarna & Ananthan, Chartered Accountants) who have issued an unmodified conclusion there on. The results for the quarter ended June 30, 2024 were reviewed by the Joint Statutory Auditors (B. K. Ramadhyani & Co LLP, Chartered Accountants and Mukund M Chitale & Co, Chartered Accountants) of the Bank, on which they had issued an unmodified conclusion. <BR> <BR> 2) The above financial results have been prepared in accordance with the recognition and measurement principles laid down in the applicable Accounting Standard (“Accounting standards”) prescribed under Section 133 of the Companies Act, 2013 (the “Act”), in so far as they apply to the Banks, the relevant provisions of the Banking Regulation Act, 1949 and the circulars, the guidelines and directions issued by the Reserve Bank of India (“RBI”) from time to time (the “RBI Regulations”) and other accounting principles generally accepted in India and the requirements of Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. <BR> <BR> 3) The figures of quarter ended March 31, 2025 is the balancing figures between audited figures in respect of the full financial year ended March 31, 2025 and the unaudited published year to date figures up to nine months ended December 31, 2024, which was subjected to a limited review. <BR> <BR> 4) As at June 30, 2025, the Bank has granted 15,61,73,380 options under the approved Employee Stock Option Plan (ESOP) 2019. Out of the same, 5,31,95,958 options had lapsed, 85,26,871 options was exercised, 4,09,68,649 options had vested and are yet to be exercised and 5,34,81,902 options remains unvested. <BR> <BR> 5) During the quarter ended June 30, 2025, the Bank has allotted 3,43,466 equity shares pursuant to the exercise of stock options under the approved Employee Stock Option Plan (ESOP) 2019. <BR> <BR> 6) Other income includes processing fees, profit/(loss) on sale of investments, profit/(loss) on revaluation of investments, non-fund based income such as commission earned from guarantees, selling of third party products, recovery from loans written off, income from dealing in PSLC, etc. <BR> <BR> 7) The Capital Adequacy Ratio ("CAR") has been computed as per RBI Circular No. RBI/2016-17/81 DBR.NBD.No. 26/16.13.218/2016-17 dated October 06, 2016 on 'Operating Guidelines for Small Finance Banks'. The Bank has followed BASEL II standardized approach for credit risk in accordance with the aforesaid guidelines. Further, the RBI vide its communication No. DBR.NBD.No.4502/16.13.218/2017-18 dated November 08, 2017 has provided an exemption to all Small Finance Banks whereby no separate capital charge is prescribed for market risk and operational risk. <BR> 8) As at June 30, 2025 the Bank carries a floating provision of Rs. 18,067 lakh, of which Rs. 13,000 lakh is used for calculation of net NPA and provision coverage ratio. Also, Rs.3,000 lakh is considered as Tier II capital and Rs. 2,067 lakh is unutilized , which is available for utilization in the future for calculating the net NPA and provision coverage ratio. Had the Bank reckoned the remaining Rs. 2,067 lakh for calculating the Net NPA, the Net NPA would be 0.63% and the Provision Coverage Ratio would increase from 72.90% to 75.38% as at June 30, 2025. <BR> 9) Details of loans not in default and stressed loans acquired and transferred during the quarter ended June 30, 2025 under the RBI Master Direction on Transfer of Loan Exposures dated September 24, 2021 are given below: <BR> a) The Bank has not transferred any loans not in default to other entities during the quarter ended June 30, 2025. <BR> b) The Bank has not purchased any loans not in default during the quarter ended June 30, 2025. <BR> c) The Bank has not transferred any stressed loans to Asset Reconstruction Companies during the quarter ended June 30, 2025. <BR> <BR> 10) As per the RBI Circular DOR.AUT.REC.12/22.01.001/2022-23 dated April 07, 2022, for the purpose of disclosure under Accounting Standard 17, Segment reporting, 'Digital Banking' has been identified as a sub-segment under Retail Banking by Reserve Bank of India (RBI). However, as the proposed Digital Banking Unit (DBU) of the Bank has not yet commenced operations and having regard to the discussions of the DBU Working Group formed by Indian Banks' Association (IBA) (which include representatives of the Bank and the RBI), held on July 14, 2022, reporting of Digital Banking as a separate sub-segment of Retail Banking Segment will be implemented by the Bank based on the decision of the DBU Working Group. <BR> 11) The Bank had submitted an application for Universal Banking License to the RBI – Central Office on February 4, 2025 subsequent to the approval of the Board of Directors in their meeting held on January 23, 2025. <BR> 12) The Bank has applied its significant accounting policies in the preparation of these financial results consistent with those followed in the annual financial statement for the year ended March 31, 2025. Figures of the previous periods/year have been regrouped / reclassified, wherever considered necessary to conform to the current year's presentation. <BR> <BR> Others3327083000Treasury2681927000Retail banking15397169000Wholesale banking5992440001867834000018678340000Treasury585515000Retail banking868559000Wholesale banking4302400014970980001416510001355447000Treasury150688109000Retail banking309568442000Wholesale banking278618590004881184100002986711000491105121000Treasury131691877000Retail banking270543239000Wholesale banking243495030004265846190002610196000429194815000Business Segments have been identified and reported taking into account the target customer profile, the nature of products and services, the differing risks and returns, the organisation structure and guidelines prescribed by the RBI and in compliance with the Accounting Standard 17 - "Segment Reporting". The business operations of the Bank are in India and for the purpose of segment reporting as per Accounting Standard-17 (Segment reporting) the Bank is considered to operate only in domestic segment. <BR> <BR> A) Treasury: The Treasury Segment primarily consists of net interest earnings from the Bank’s Investment portfolio, money market borrowing and lending, gains or losses on Investment operations and a portion of income/loss from sale/purchase of Priority Sector Lending Certificates ("PSLC"). <BR> <BR> B) Retail Banking: The Retail Banking Segment serves retail customers through a branch network and other delivery channels. Retail Banking includes lending to and deposits from retail customers and identified earnings and expenses of the segment. This segment raises deposits from customers and provides loans and other services to customers. Revenues of the Retail Banking Segment are derived from interest earned on retail loans, processing fees earned, other related incomes and a portion of income/loss from sale/purchase of Priority Sector Lending Certificates ("PSLC"). Expenses of this segment primarily comprises of interest expense on deposits and borrowings, infrastructure and premises expenses for operating the branch network and other delivery channels, personnel costs, other direct overheads and allocated expenses. <BR> <BR> C) Whole Sale Banking: The Wholesale Banking Segment provides loans to Corporates and Financial Institutions. Revenues of the Wholesale Banking Segment consist of interest earned on loans made to customers. The principal expenses of the segment consist of interest expense on funds borrowed from external sources and other internal segments, premises expenses, personnel costs, other direct overheads and allocated expenses of delivery channels, specialist product groups, processing units and support groups. <BR> UnauditedtrueDeloitte Haskins & Sellstrue2027-03-31Abarna & Ananthantrue2025-09-30